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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $140,842 | $157,296-10.5% | $141,191-0.2% | $152,897-7.9% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 19.46% | 64.34%-44.9pp | 71.41%-52.0pp | 345.43%-326.0pp |
| Employer contribution / active EE | $12,497 | $5,262+137.5% | $4,736+163.9% | $4,764+162.4% |
| Participant deferral / active EE | $13,571 | $7,111+90.9% | $6,710+102.3% | $5,851+131.9% |
| Admin fee / account holder | $1,061 | $12,125-91.3% | $10,264-89.7% | $11,599-90.9% |